go online chat with Capital One, ask them for a goodwill deletion. Keep sending them letters...someone may be willing to delete this late.
This is really a bummer. I wish there could be a standard for one goodwill deletion per account. So sorry this has happened.
Capitalone may be willing to give you that gw...keep at it.
You can send that letter to the bureau, but they cannot delete that late. That's the only way to regain those points lost. You will, however, (or I did) gain some back when your 30 day late is a month behind you.
Can you get a mtg. with one late within one year? Possibly if your scores are good enough. Keep trying to gw that late with the local bank. Keep trying with CapitalOne.
Eventually, you may get that removed.